Emergency Fund Calculator
Turn essential expenses and monthly saving into a coverage target and date.
What do your essential expenses cost each month?
Target fund
Saved now
Current coverage
Monthly saving
How this emergency-fund estimate works
Target fund equals essential monthly expenses multiplied by the coverage target you choose. The estimated date assumes the same contribution each month and no interest, withdrawals, taxes, or fees.
The right emergency amount depends on your situation. Consider your past unexpected costs, income stability, insurance, dependents, and access to other cash when choosing a target.
The Consumer Financial Protection Bureau describes emergency savings as cash set aside for unplanned expenses and recommends choosing an amount based on your own circumstances. Read the CFPB emergency-fund guide.
Methodology reviewed: September 5, 2026.